Real People, Real Stories
Canadians choosing LendX Financial.
Canadians getting approved every day.
Experience the LendX difference.
From application to funding in hours.
Access business loans, lines of credit, invoice factoring, commercial mortgages, and same-day cheque cashing — all through one platform. Fast decisions, no big-bank red tape.
Six tailored financing products for every stage of your business — from startup cash flow to commercial real estate.
Lump-sum financing for equipment, expansion, renovations, or working capital. Fixed payments, clear terms, fast approval.
Revolving credit up to $250K. Draw what you need, pay back when cash flows in. Only pay interest on what you use.
Turn outstanding invoices into same-day cash. We advance up to 90% of your receivables so you don't wait 30–90 days to get paid.
Private commercial mortgage financing for mixed-use, retail, industrial, and investment properties. B-lender alternative to chartered banks.
Cash business cheques same-day via Interac e-Transfer. Payroll, government, certified, and business cheques all accepted.
Access our peer-to-peer lending marketplace. Get funded by accredited investors at competitive rates — faster than a bank, fairer than alternative lenders.
Our peer-to-peer marketplace connects Canadian businesses directly with accredited investors. No branch visits, no weeks of waiting. Apply online, get matched in hours, funded in days.
Our algorithm matches your business with the best-fit investors instantly.
No hidden fees. Rate is fixed at origination — what you see is what you pay.
We look at business revenue, not just your personal credit score.
No bank account required. LendX cashes all major business cheque types same-day via Interac e-Transfer. Funds hit your account in minutes.
CRA, CERB, payroll
Corporate payroll cheques
Bank-certified & drafts
Settlement & claim cheques
| Cheque Type | Fee | Max Amount |
|---|---|---|
| Payroll (Corporate) | 1.5% | $10,000 |
| Government / CRA | 1.75% | $25,000 |
| Certified / Bank Draft | 1.5% | $50,000 |
| Business / Commercial | 2.5% | $25,000 |
| Insurance Settlement | 3.5% | $50,000 |
When chartered banks decline your commercial deal, LendX steps in. We fund mixed-use, retail, industrial, and investment properties secured by Ontario real estate.
Storefronts, office space, and mixed residential/commercial properties.
Light industrial, storage, and logistics facilities secured by Ontario title.
Short-term construction draws and bridge loans while you arrange permanent financing.
Our streamlined process gets Canadian businesses funded faster than any traditional lender.
Complete our 5-minute business application. No branch visit, no paper forms. Tell us about your business and financing needs.
Our underwriting team reviews your application, revenue history, and business profile. Decision issued within 24 hours.
Approved businesses are matched with the best product and funding source — our balance sheet or our P2P investor network.
Sign your agreement digitally. Funds transferred via Interac e-Transfer or EFT — same day for most approvals.
Submit your business financing application in minutes. Our team reviews every application personally and responds within one business day.
Takes 5 minutes · No credit impact · Response within 24 hrs
Thank you for applying. A LendX business advisor will contact you within one business day to discuss your options.